is the business owner qualifies for the employer tax credit based on the number of employees and the wages of those employers, that will automatically be part of the program. so there will be a one stop shop available to small business owners who, as you know right now, often pay 18-20% more in the market than their large competitors. and we are verycfit that the left better choices, better prices with the new makece that will be up and running. >> just real concern he is from the business perspective more than consumers, individuals i think i heard you say the shop will be delayed. >> no, sir. that is not accurate. the shop will be up and running in every market in the country. for the states where the federal government will be operating the marketplace, we are delaying one portion of the s plan which is that employers, if they choose to do so, could offer a wide variety of plans to his or her employees. year one for the federal marketplace is, employers have a choice of coverage for their employees, but that choice will then be passed along. year two and beyond for the federal mar